I have heard a few friends talk about not having a savings account because they have debt and the money should go to the debt instead of to a savings account.
Think of the savings account as an emergency fund. If you get into financial trouble and take money from credit, you'll never get anywhere with the debt. An emergency fund can help to pay a chunk of your debt later in the future or can be used to get yourself out of trouble.
Also, make a plan for paying off a credit card or line of credit. Have a set amount to put towards debt and don't put too much on it, or you'll end up running out of money and having to use credit before your next paycheque.
DKDetectiveElementary, Dear Robin (he/him)
